Go to the qualified appraisal company designated by the bank for evaluation, and then determine your maximum loan limit based on the mortgage rate. What is the general process for applying for a loan? Apply to the bank - submit relevant materials (ID, marriage certificate, income certificate , mortgage property ownership certificate, etc.) - the credit department conducts pre-loan investigation - loan materials are submitted to the approval department for approval - sign a loan contract - go to the housing management office to handle mortgage procedures - there are two situations in bank lending: 1 After the loan is approved and the property is transferred, the loan will be issued with the receipt. The fee is between 500 and 800. In this way, you will get the money within about 7 days after the transfer. You do not need to wait for the title certificate. 2. After the property ownership certificate is issued, the mortgage certificate will be sent to the bank and it will take about 5 to 7 working days for the loan. This time is also divided into 2. <1> Expedited processing of property rights certificates, the cost ranges from 500 to 800, so that the property rights certificates will be issued in 3 to 7 days. After the mortgage certificates are sent to the bank, the loan will be released in about 5 working days. This time is 15 It will definitely be completed within a few days. <2> It’s normal operation! That time is 15 to 20 days after the birth certificate is produced, and it takes about 5 working days to send the mortgage certificate to the bank for loan! The above is the most comprehensive time to get money. I don’t know if the transaction is done at the transaction center. In some places, it is handled at the housing authority, so the above may not be accurate. As long as it is handled at the transaction center, it will definitely not be wrong.